topic Re: Possible Synchrony Bank data point in Credit Cards

Possible Synchrony Bank data point

Anonymous — Wed, 06 Apr 2016 04:01:13 GMT

About 3 weeks ago I went to a furniture store just to look and ended up buying new furniture because of a great 24 months no interest promotion going on. I didn't know that Synchony was the issuing bank for the promotion. That made me feel confident since I already have Walmart and Lowes cards with them. Anyway I was instantly approved and I still haven't had an HP on my credit report. So I'm thinking if you already have an account with Synchrony then it's possible they may just do a soft pull when applying for cards issued by them. Don't know this for sure but I am 100% sure they did not do a HP. Anyone else experience this? Please share.

Re: Possible Synchrony Bank data point

Anonymous — Wed, 06 Apr 2016 05:16:23 GMT

@Anonymous wrote:
About 3 weeks ago I went to a furniture store just to look and ended up buying new furniture because of a great 24 months no interest promotion going on. I didn't know that Synchony was the issuing bank for the promotion. That made me feel confident since I already have Walmart and Lowes cards with them. Anyway I was instantly approved and I still haven't had an HP on my credit report. So I'm thinking if you already have an account with Synchrony then it's possible they may just do a soft pull when applying for cards issued by them. Don't know this for sure but I am 100% sure they did not do a HP. Anyone else experience this? Please share.

No its always a HP sometimes it takes time, at times can take the same day in other times it can take over a week have had that happen. Hell at one point it took two weeks for them to report for one of my cards can't remember which one. One I know for sure that pulls right away and reports right away is Ebates.

Re: Possible Synchrony Bank data point

Anonymous — Wed, 06 Apr 2016 13:41:38 GMT

Trust me it will report,they are just a little late in doing so. I had one HP report 11 days later.....and for a minute i thought "sweet no hard pull"! Then it was there so bummer.

Re: Possible Synchrony Bank data point

Appleman — Wed, 06 Apr 2016 14:06:46 GMT

Also, a few reporting services seem to take some time to have the inquiry show up.